Tailored a financial plan that enables us to relax and enjoy retirement

What were the circumstances that caused you to look for a Financial adviser? 

"I used Colin a few years ago to consolidate various pension plans. He did an excellent job of pulling various schemes into one platform. I retired in December 2017 and asked Colin to advise us on how best to manage our finances."

How did Colin help you? 

"Colin listened to understand our financial situation and helped tailor a financial package that enables us to relax and enjoy retirement. Colin is supported by an excellent team in the office with Bev giving excellent advice.

What is your current situation? 

"Have you seen the outcome you were hoping for? "Yes the financial packages are in place. Only time will tell if they perform as planned."

What could they have done better? 

"Can't think of anything."

Review from Verified Client Fife | April 2018

Reduced the period of my mortgage 

What were the circumstances that caused you to look for a Financial adviser?

"I have engaged with Colin over numerous years in relation to finance advise across various services such as mortgages, life insurance, pensions and investments. My recent appointment was to discuss my mortgage, pension contributions and life insurance for both my husband and daughter." 

How did Colin help you?  

"Colin assisted me in advice in both my husband and my pension contributions, reduce period of my mortgage together with reviewing my husband's life insurance and a new policy for my daughter." 

  What is your current situation? Have you seen the outcome you were hoping for? 

 "Yes." 

  What could they have done better? 

 "I was happy with service that I received." 

 Review from Verified Client Fife | May 2018

First time I have used a financial adviser

What were the circumstances that caused you to look for a Financial adviser? 

"I had several older pensions from a previous employer which I was looking to consolidate into one pension to make them simpler to manage."

How did Colin help you? 

"Colin was quick in getting back to me after my initial email enquiry to arrange a meeting. He went through my documentation and discussed my requirements and the options open to me. Once I made a decision he completed all the necessary tasks to fulfil my requirements both quickly and with no hassle for me."

What is your current situation? Have you seen the outcome you were hoping for?

  "I am pleased with the outcome and my new product should make things much simpler to manage."

What could they have done better? 

"I am happy with how everything has been dealt with. This was the first time I have used a financial adviser and was made to feel very at easy and had all explained to me so I could make informed decisions based on my needs."

Review from Verified Client Midlothian | April 2016

I am delighted

What were the circumstances that caused you to look for a Financial adviser? 

"Working offshore and realising how vulnerable my partner would be should I die during the course of work."

How did Colin help you? 

"Got me insurance coverage which sadly I then had to claim on around six months later as I was diagnosed with breast Cancer. it is a long way from worry that my chopper would crash!"

What is your current situation? Have you seen the outcome you were hoping for? 

"Yes."

What could they have done better?  

"He's wonderful. His team are beyond amazing. I am delighted."

Review from Verified Client Clackmannanshire | April 2016

We had just had a baby

What were the circumstances that caused you to look for a Financial adviser?

  "We had just had a baby and were looking for some help setting up an insurance policy, pensions and an investment pot for his future."

How did Colin help you? 

  "He found the best products for our circumstances and arranged all the paperwork for us." 

  What is your current situation? Have you seen the outcome you were hoping for? 

 "Yes, the products have been applied for and we are just awaiting confirmation." 

  Review from Verified Client Midlothian | February 2016 

Working in tandem is vital

What were the circumstances that caused you to look for a Financial adviser?

"Previous advisor retired."

How did Colin help you? 

"Colin carefully studied our present portfolio and gathered information about how we wanted to progress. He then came up with options for our 'new' requirements. We especially wanted to have an ongoing regular income to compensate for an uncertain income from work."

What is your current situation? Have you seen the outcome you were hoping for? 

"We have just had our regular update meeting with Colin, and are really pleased with how things have progressed. The advice given has been very good, and we can report that our financial situation is in good health."

What could they have done better? 

"We are very happy with the service that Colin has provided. He takes careful account of your risk factors and provides options. Working in tandem is vital. Everyone must realise that there are no guarantees, and that only by setting realistic targets are you likely to remain in a positive situation."

Review from Verified Client Midlothian | October 2015

Very sound working relationship

What were the circumstances that caused you to look for a Financial adviser? 

"I was forced to take early retirement due to ill health." How did Colin help you? "As a consequence of having to retire at age 59 I had an urgent need to review my financial situation and put a financial plan in place for the future. One of my concerns in involving a financial adviser was that some advisers are tempted to show more interest in their financial gain by presenting a plan that is structured to ensure they receive the maximum financial benefit rather than the client. Due to the professional way in which Colin created and presented the plan ensured we have had a very sound working relationship over the last nine years."

What is your current situation? Have you seen the outcome you were hoping for? 

"The original plan was put in place and adjustments have been made when necessary to take account of any change in circumstances. The plan has been very successful and I see no reason why our working relationship should not continue in the future as I have complete confidence in Colin's professionalism and ability."

What could they have done better? 

"In any working relationship it takes time to build confidence and I believe this is one of Colin's strengths. This is particularly critical when finance is involved."

Review from Verified Client Fife | August 2015

Security and peace of mind    

What were the circumstances that caused you to look for a Financial adviser? 

"I need to sort out my finances and provide myself with a security for the future."

How did Colin help you?  

"I was widowed in 2006 and Colin McGugan invested the money I was left in my husband's estate together with my original savings. He was of invaluable assistance as released income for me while investing my capital which I did not realise was a possibility."

What is your current situation? Have you seen the outcome you were hoping for? 

"I cannot praise him enough. He has not only given me an income with products which also increase my capital investment thus giving me not only financial security but also peace of mind. He has also recently sorted out my annuity and pension in order that I can have additional income and is very attentive in that he arranges my reviews on a regular basis."

What could they have done better?

  "I could not fault his attention to detail and the recommendations he has put in place. My investments have always increased even while taking income from capital."

Review from Verified Client Midlothian | July 2015

I now feel safe   

What were the circumstances that caused you to look for a Financial adviser?  

"I needed advice on many areas of financial planning, basically required a full review of my circumstances to ensure I was getting best value for money."

How did Colin help you? 

"He carried out a full and thorough review, and provided me with best advice. I now feel safe in the knowledge that I have the most suitable products for me."

What is your current situation? Have you seen the outcome you were hoping for? 

"The products Colin recommended have done very well, and protection products are providing excellent value for money."

What could they have done better? 

"Nothing, everything was 100%."

Review from Verified Client Wigtownshire | June 2015